Investor Presentation for the Quarter ended September, 2026

ISECE1=6 ONE TO ONE tr6 ailv, tam Bcm NAP" Bank of India Ref. No.:HO:IRC:SVM:2026-27: 255 Date: 23.10.2026 Scrip Code: BANKINDIA Scrip Code: 532149 The Vice President - Listing Department, The Vice-President - Listing Department, National Stock Exchange of India Ltd., BSE Ltd., Exchange Plaza, 25, P.J. Towers, Dalal Street, Bandra Kurla Complex, Bandra East, Mumbai 400 001. Mumbai 400 051 ITe-47/1:1ftErr Dear Sir / Madam, Investor's Presentation- Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the 2nd Quarter/ Half-Year ended 30.09.2026 We enclose a copy of the Investor's Presentation on the Unaudited (Reviewed) Financial Results (Standalone & Consolidated) for the Quarter/ Half-Year ended 30.09.2026. This is for your information, please. Thanking you, %fa& Yours faithfully, (Usha Ramsinghani) ci441*Aci Company Secretary Classification: Internal ;MR (cid:9) f4a74TW #.441'4147, fell (cid:9) afrotlifqF, t -5, vt-miim, alip1 f(cid:9) u, OKI(cid:9) - 400 051 Head Office: Investor Relations Cell, Star House - I, 8th Floor, C-5, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051 Ph.: (022) 6668 4490 : Fax: (022) 6668 4491 Email: headoffice.share@bankofindia.bank.in li=111 ONE TO ONE FOUNDATION DAY THIN wr/ "" Performance Analysis Bank of India ° Q2 FY 2026-27 Xelationship beyond banking Products & Services Classification: Internal 01 02 Key Business Highlights Performance 01 2-15(cid:9) > Financial Performance 05 06 Capital, Share Digital Holding & Group Banking HR, Performance ESG etc. 29 - 35(cid:9) > 36 - 48(cid:9) > Classification: Internal Key Highlights Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Global Business RAM Growth Net Profit 21.13% 18.68% 25.34% Key Highlights Global Deposits Retail Advances Gross NPA Q2 FY 2026-27 (YoY) 21.59% 19.27% 94 bps Global Advances Agriculture Advances Net NPA 20.58% 16.34% 23 bps Corporate Advances MSME Advances CRAR 16.67% 20.27% 109 bps Classification: Internal Business Performance Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Global Business Mix (Amt in ₹ Cr) 18,92,601 17,55,699 15,62,446 .1.0(cid:9) iiiPI I lir 1+14.1r onfo 10,37,530 9,57,924 8,55,071 8,53,301 7,97,775 7,09,145 111111., 1 .1 rr(cid:9) I,(cid:9) -.1 I 0.444"6 30.09.25 30.06.26 30.09.26 Global Deposits Global Advances Global Business Mix Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 (Amt in ₹ Cr) Domestic & Overseas Deposits Domestic & Overseas Advances Q2 FY 26 Q2 FY 26 8,53,301 7,09,145 7,30,098 1,23,203 5,97,350 1,11,795 Q1 FY 27 Q1 FY 27 7,97,775 9,57,924 8,24,963 1,32,961 6,73,833 1,23,942 Q2 FY 27 Q2 FY 27 8,55,071 10,37,530 7,03,911 1,51,160 9,00,129 1,37,401 Domestic Overseas Domestic Overseas Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Global Deposits & Advances - Growth (Amt in ₹ Cr) QoQ Growth YoY Growth Particulars 30.09.25 30.06.26 30.09.26 Amount % Amount % Global Deposits 8,53,301 9,57,924 10,37,530 79,606 8.31 1,84,229 21.59 Global Advances 7,09,145 7,97,775 8,55,071 57,296 7.18 1,45,926 20.58 Global 15,62,446 17,55,699 18,92,601 1,36,902 7.80 3,30,155 21.13 Business Mix The abovementioned Global Deposits and Global Advances as of 30.09.26 include FCNR deposits and FCNR Advances canvassed under RBI special FCNR scheme during Q2 FY 27. Excluding these, the Business Mix grew by 5.44% QoQ and 18.48% YoY. Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Domestic Deposits (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 CASA Amount 2,86,492 3,02,085 3,07,031 CASA (%) 39.39% 36.68% 34.16% Total Term Deposits 4,40,799 5,21,377 5,91,709 Retail Term Deposits (%) 47.41% 42.00% 43.44% Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Composition of Gross Domestic Advances (Amt in ₹ Cr) Retail Agriculture MSME RAM Corporate Gross Domestic RAM & Others Advances Advances (%) 30.09.25 1,45,768 1,04,124 97,834 3,47,726 2,49,624 5,97,350 58.21% 30.06.26 1,66,170 1,15,782 1,10,881 3,92,833 2,81,000 6,73,833 58.30% 2,91,241 7,03,911 58.63% 30.09.26 4,12,670 1,73,862 1,21,140 1,17,668 (cid:9) (cid:9) (cid:9) (cid:9) (cid:9) Growth A 19.27 A 16.34 A 20.27 A 18.68 A 16.67 A 17.84 YoY% The Bank continues to strengthen its focus on the RAM portfolio, with its contribution to Gross Domestic Advances increasing year-on-year. Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Retail Loans (Amt in ₹ Cr) Growth Particulars 30.09.25 30.06.26 30.09.26 YoY (%) Home loans 72,807 81,213 85,080 17 Vehicle loans 22,177 25,296 26,349 19 10% Education loans 4,052 4,609 4,754 17 Mortgage loans 13,255 16,280 17,591 33 Personal loans 12,978 13,068 13,088 1 Others* 20,499 25,704 27,000 32 Home Loans Vehicle loans Education loans I Mortgage loans Total Retail Loans 1,45,768 1,66,170 1,73,862 19 Personal Loans Others * Includes Staff Loans, Gold Loans, Loan against Deposits, etc. Classification: Internal Business Performance Bank of India g) 111 O NE TO ONE • •I161(cid:9) FIVVI. • 1.11.1.1 Priority Sector Advances (Amt in ₹ Cr) Particulars Regulatory Target 30.09.25 30.06.26 30.09.26 ANBC 5,03,530 5,38,858 5,70,683 Priority Sector 2,35,530 2,53,864 2,63,862 % To ANBC 40.00 46.78 47.11 46.24 Agriculture* 1,01,604 1,06,986 1,10,283 % To ANBC 18.00 20.18 19.85 19.32 Small and 71,258 76,643 79,010 Marginal Farmers % To ANBC 10.00 14.15 14.22 13.84 Weaker Section 89,511 96,712 99,939 17.51 % To ANBC 12.00 17.78 17.95 Micro Enterprises (PS) 49,871 51,613 52,770 % To ANBC 7.50 9.90 9.58 9.25 * Includes RIDF & PSLC Priority Sector lending across categories exceeded the regulatory targets as of 30.09.2026 Classification: Internal Business Performance Domestic Credit Industry-wise Outstanding (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 Infrastructure 58,288 54,967 58,274 Basic Metal & Metal products 21,635 22,341 24,007 Textiles 6,432 6,934 7,238 Gems & Jewellery 3,122 2,792 2,722 Chemicals & Chemical products 7,839 7,277 7,324 Vehicles & Transport equipment 2,093 2,401 2,985 Rubber, Plastic & their products 4,083 4,356 4,456 Construction 4,720 4,218 4,430 Direct Exp to Real Estate Sector 90,469 1,02,938 1,09,296 - Residential Mortgage* 86,883 98,395 1,04,037 - CRE 3,586 4,543 5,259 NBFC (Incl. HFCs) 73,316 80,900 84,046 * Includes Priority Sector Housing Loans and all other Residential Mortgages (cid:9) M Classification: Internal Business Performance NBFC Portfolio Global Outstanding (Amt in ₹ Cr) Portfolio Mix (%) Particulars 30.09.25 30.06.26 30.09.26 78% 79% 30.09.25 30.06.26 30.09.26 AAA 69,579 78,037 83,821 AA 18,527 18,316 17,830 A 3,544 3,315 3,417 • • 4% 3% 3% I I I 1% 1% 1% BBB & Below 1,394 1,054 1,199 Total 93,044 1,00,722 1,06,267 AAA AA A BBB & Below AAA segment Over 96% of the Well diversified continues to Low exposure to portfolio is in portfolio across strengthen, lower rated assets Highlights AAA & AA categories various market increasing to (BBB & Below) players 79% as of 30.09.26 Classification: Internal Business Performance Global NBFC Portfolio Rating Profile as of 30.09.2026 (Percentage) Category AAA AA A BBB & Below Total NBFC-HFC 23 5 -- -- 28 PSU 7 1 -- -- 8 Bank 6 1 -- -- 7 Private 10 3 -- -- 13 NBFC-MFI -- 1 -- -- 1 Private -- 1 -- -- 1 NBFC-Others 56 11 3 1 71 PSU 25 -- 2 -- 27 Bank 4 -- -- -- 4 Private 27 11 1 1 40 Grand Total 79 17 3 1 100 Classification: Internal Business Performance Bank of India 111 O NE TO ONE • •I161(cid:9) 1.11:1.1. • 1.11.1.1 Domestic Advances Infrastructure Sector Outstanding (Amt in ₹ Cr) Particulars 30.09.25 30.06.26 30.09.26 Power 34,644 35,758 37,305 a) SEBs 11,069 9,366 10,128 - Generation 5,325 4,274 4,548 - Transmission 1,578 1,445 1,403 - Distribution 4,166 [Showing first 8,000 characters — download PDF for full document]